Heritage Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 5.7% from Q1 2026 to Q2 2026, ending at $1.6M against $1.5M. It was the largest change among the key lines on this page. Within Kansas, Heritage Bank is 28th of 182 on net interest margin, 4.55% as of Q2 2026. Heritage Bank reported 4.55% on net interest margin for Q2 2026, 0.61 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.71% |
| Yield on loans | 7.46% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 3.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.23% | 1.89% | 4.50% | 6.76% | 1.65% |
| Q4 2023 | 6.47% | 2.46% | 4.26% | 6.90% | 2.17% |
| Q1 2024 | 6.91% | 2.89% | 4.28% | 7.33% | 2.70% |
| Q2 2024 | 7.01% | 3.22% | 4.05% | 7.30% | 3.54% |
| Q3 2024 | 7.08% | 3.65% | 3.76% | 7.42% | 4.37% |
| Q4 2024 | 7.21% | 3.68% | 3.90% | 7.49% | 4.38% |
| Q1 2025 | 7.25% | 3.53% | 3.97% | 7.55% | 4.33% |
| Q2 2025 | 7.48% | 3.52% | 4.23% | 7.63% | 4.27% |
| Q3 2025 | 7.59% | 2.76% | 4.82% | 7.87% | 7.40% |
| Q4 2025 | 6.92% | 2.40% | 4.70% | 7.72% | 3.79% |
| Q1 2026 | 6.66% | 2.29% | 4.54% | 7.38% | 3.67% |
| Q2 2026 | 6.71% | 2.34% | 4.55% | 7.46% | 3.71% |
Heritage Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57548) · FFIEC NIC profile (RSSD 3120897)